Whether you are financing a new real estate project, attempting to leave your current lender, or are in an adversarial relationship with your bank, we have the experience you need to navigate the complex world of debt restructuring and financing.

We'll help you find your way.

We work with schools throughout the U.S. to facilitate the recovery of financial strength. Our successful track record includes $20 million debt restructuring projects along with the procurement of replacement financing.

We also understand the cost versus tuition funding gap, the pressures of fundraising, financial and strategic planning challenges, and the strain of board governance in these challenging times.  We offer comprehensive solutions designed to allow educators to focus on education, and we offer conservative strategies which are proven to facilitate organizational excellence.

Our practice is tailored to Christian Schools, Churches, Ministries and other Organizations

"One of the best decisions we have ever made at Annapolis Area Christian School was to partner with John Warren and CFS.  First and foremost, John Warren is a committed follower of Jesus Christ.  John's biblical priorities coupled with his intuitive insight into the banking and financing world, was just what we needed.  I recommend John Warren and the CFS team with great confidence and certainly with equally great thanks for their selfless and superior work with AACS."     Rick Kempton, Superintendent, Annapolis Area Christian School


"CFS Financial and their team provided high quality, effective management consulting services, bank negotiation services, and a competitively priced loan which allowed Aurora Christian Schools to regain our financial footing and continue our dedication to providing a quality, Christian education to our students."    Collette House, Superintendent, Aurora Christian Schools




We work with schools to resolve issues such as leverage, strategic planning challenges, conflict resolution, fundraising challenges, operating management opportunities, budgeting, and all other challenges associated with financial management and strategic planning.